Pets are considered a part of the lives of their owners, who treat them as companions and best friends. Like humans, pets too are susceptible to illness and diseases that demand expert medical attention. Therefore, it is advisable for the pet owners to update themselves about the ailments that their pet can come across and the expenses related to the treatment involved. A pet can come into harm's way by various ways, including bee stings, allergic reactions, swallowing a foreign object, and breaking a bone. These situations require expert veterinary attention and may cost the owners more than their estimated cost. Pet health insurance takes care of all such unexpected medical expenses related to the pet and provides the pet owner peace of mind.

Pet health insurance covers unexpected illnesses and accidents as well as routine care expenses. There are many different pet health insurance plans available in the market that can be designed to provide complete or minimum coverage. A complete coverage plan will typically cover accidental injuries, emergencies, and illnesses along with office visits, prescriptions, diagnostic tests, x-rays, and lab fees. It is also possible for pet owners to choose options to cover vaccination and routine care.

Most of the pet health insurance providers allow the pet owners to take their pets to any licensed veterinarian or specialist worldwide. They require the pet owners to agree to a deductible that pet owners have to pay from their end when they file for a claim. The insurance company also considers a pre-existing condition, which means any illness, accident or injury that has been contracted or appeared prior to the effective date of the policy. In such a case, the pet health insurance provider requires a copy medical history of the pet, including all lab reports. However, ordinarily pet health insurance providers do not require the pet owner to submit a medical history of their pets prior to enrollment.